NPN: 1141954 | TX License: 738897 | 40+ years experience | 35+ A/A+ rated carriers | Multi-state licensed
Content reviewed: March 2026 — Questions? Call 877-571-1980
Straight answers on life insurance from a broker who's been doing this for 40 years. No fluff, no sales pitch.
Long-form reference articles, hand-written and reviewed for compliance.
Yes — but the carrier you apply to matters enormously. Curtis Drake explains how Type 1 and Type 2 diabetes affect your rates, which carriers are most favorable, and how to get approved.
Read articleBurial insurance costs $30—$150/month for most seniors. Curtis Drake breaks down real rate ranges by age and health, explains what affects your premium, and shows how to avoid overpaying.
Read articleTerm life is cheaper. Whole life lasts forever. But the real question isn't which is better — it's which fits your situation. Curtis Drake explains the difference in plain English.
Read articleA heart attack doesn't disqualify you from life insurance — but timing, treatment, and which carrier you apply to matter enormously. Here's what to expect.
Read articleYour term policy is ending — now what? You have more options than you think. Curtis Drake explains renewal, conversion, and how to get new coverage even if your health has changed.
Read articleSeniors over 70 have more options than they realize. Curtis Drake explains what types of coverage are available at 70, 75, and 80+, and how to find the best rate without a medical exam.
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